Lowe's Companies, Inc. · 1 week ago
Sr Mgr-Credit Underwriting
Mooresville, NC
Full-time
Onsite
Senior Level, Lead/Staff, Director/Executive
10+ years expLowe's Companies, Inc. is a leading home improvement retailer serving millions of customers weekly. The Senior Manager, Credit Underwriting is responsible for leading the strategy and operations of credit underwriting programs, managing a team, and ensuring alignment with corporate objectives while maintaining portfolio health.
HardwareHome RenovationManufacturing
Responsibilities
Lead and develop a team of underwriters and collectors supporting Trade Credit and Recourse programs
Define and execute the overall credit underwriting and collections strategy, aligning with corporate objectives and Lowe’s risk appetite
Oversee end-to-end underwriting operations, ensuring quality, speed, and consistency in credit decisions across all programs
Establish and manage key performance metrics (SLAs, approval rates, loss ratios, DSO) to drive accountability and continuous improvement
Partner with Finance, Risk Management, Sales, Asset Protection, and Legal to align credit policy with business goals and regulatory standards
Serve as the primary liaison to external financial partners, ensuring accurate and timely credit decisioning and performance reporting
Review and approve high-value or complex credit applications, providing strategic judgment on structure, risk mitigation, and terms
Oversee the collections strategy, ensuring timely resolution, reduced delinquency, and strong customer relationships
Drive adoption of data-driven tools and automation to enhance underwriting precision and operational efficiency
Support program innovation by partnering with IT and analytics teams to enhance credit systems, dashboards, and forecasting models
Advise senior leadership on portfolio trends, emerging risks, and strategic opportunities to optimize profitability and mitigate exposure
Coach, mentor, and develop talent — fostering a collaborative, customer-centric culture focused on excellence and accountability
Ensure all credit and collections activities adhere to internal policies, audit requirements, and applicable regulatory standards
Qualification
Required
Bachelor's degree in Business, Finance, Accounting, or related field (or equivalent experience)
10+ years of commercial credit underwriting and/or risk management experience
8+ years of people leadership experience managing credit underwriting teams or managers
Proven ability to make and influence complex credit decisions using financial statement analysis and risk assessment tools
Demonstrated experience in collections strategy, operational performance management, and cross-functional collaboration
Preferred
Experience in lien-based lending, trade credit, or contractor credit programs
Familiarity with credit scoring systems, financial analytics platforms, and ERP integrations
Advanced NACM certification (CBA, CBF, or CCE) or equivalent professional designation
Demonstrated ability to lead large-scale process transformation and automation initiatives
Strong executive communication and presentation skills, with the ability to influence across levels
Company
Lowe's Companies, Inc.
Lowe’s Companies, Inc. (NYSE: LOW) is a FORTUNE® 50 home improvement company serving approximately 20 million customers a week in the United States.
10001+ employees
H1B Sponsorship
Lowe's Companies, Inc. has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (389)
2024 (310)
2023 (388)
2022 (357)
2021 (242)
2020 (394)
Funding
Current Stage
Public CompanyTotal Funding
$22B2025-09-30Post Ipo Debt· $5B
2025-08-20Post Ipo Debt· $9B
2023-03-28Post Ipo Debt· $3B
Leadership Team
Jennifer Wilson
SVP, Chief Marketing Officer
K
Kathy Higgins
VP IT Business Management
Recent News
2026-01-22
2026-01-21
Company data provided by crunchbase